NSW Home Energy Saver loan: who qualifies, what it covers and how repayments work
The NSW Home Energy Saver program offers a 0% interest loan of up to $15,000 for home solar and batteries, repaid over up to 10 years. We are an accredited Brighte installer, so we can take you through it on your energy assessment.
NSW Home Energy Saver program: 0% interest loan up to $15,000 for solar and batteries, through Brighte, up to 10 years. Rebates come off first. Loans by Brighte. Eligibility and lender approval apply.
We’ll text you within minutes. Or call 0483 903 020.
Who qualifies
According to the NSW Government and Brighte, you need to:
- own the property in NSW, as an owner-occupier or a landlord
- have a combined taxable household income of $210,000 or less a year
- be an Australian citizen or permanent resident
- meet Brighte’s credit assessment
Social housing and short-stay accommodation are not eligible. Approval is Brighte’s decision. Full details are on the official Home Energy Saver page.
What it can be used for
The upgrades we install under the loan are rooftop solar, home batteries (including a battery added to existing solar), Level 2 home EV chargers and switchboard upgrades where your board needs it.
The loan terms
- 0% p.a. (comparison rate 0% p.a.)
- Up to $15,000, repaid over up to 10 years
- No establishment or account fees. A late payment fee may apply if you miss a repayment.
- Brighte says you can repay early at any time without an early repayment fee
Repayment examples
At 0% p.a. (comparison rate 0% p.a.) the repayment is simply the amount divided by the months:
- $10,000 over 5 years: $166.67 a month
- $10,000 over 10 years: $83.33 a month
- $15,000 over 5 years: $250 a month
- $15,000 over 10 years: $125 a month
No establishment or account fees. Loans by Brighte. Eligibility and lender approval apply.
See typical system prices on our solar and battery packages page.
How it works with the rebates
The federal Cheaper Home Batteries rebate and solar STCs come off first, at point of sale. The loan then covers the rest, up to $15,000. With the rebates off first, many customers can get solar and a battery with little or nothing to pay upfront, and the repayments are often offset by what they save on their power bills. We show you how it looks against your own bills rather than a generic example.
Deposit
No deposit when the loan covers your system; 10% if you pay with your own money.
How we take you through it
- Free energy assessment from one or two recent power bills, or leave your details and we text you to set up a quick call.
- Custom design with the rebates built in, showing what the loan would cover.
- We help you start the Brighte application. Brighte asks for proof of household income, including your latest Notice of Assessment.
- Face-to-face site visit, then install, usually in one day, by our own electricians.
The rebate steps down on 1 January 2027: see what happens if I install after 1 January 2027. The main loan page is NSW 0% interest loan for solar and batteries.
Why locals choose us
- Our own in-house team designs every system and does every install. 25 years in solar and large commercial electrical work. No subcontractors.
- A face-to-face site visit before every install: compliant battery position, switchboard and RCBO check, no surprises on the day.
- SAA-accredited installer and Sigenergy-approved, with a 25-year workmanship warranty on our installation work.
Questions we get asked
Is the NSW Home Energy Saver loan really 0%?
The loan is 0% p.a. with a comparison rate of 0% p.a. and no establishment or account fees. A late payment fee may apply if you miss a repayment.
How long can I take to repay it?
Up to 10 years.
Can landlords use the loan?
Yes. NSW property owners, whether owner-occupiers or landlords, can apply if they meet the criteria. Short-stay accommodation and social housing are not eligible.
Does the loan come before or after the rebates?
The rebates come off first, then the loan covers the rest, up to $15,000.
Can the loan cover a battery for solar I already have?
Yes, a battery added to existing solar is one of the upgrades the program covers.
Who decides if I am approved?
Brighte does. Eligibility and lender approval apply.
Loans by Brighte. Eligibility and lender approval apply.
What are the NSW 0% loan repayments?
At 0% p.a. (comparison rate 0% p.a.) the repayment is the amount divided by the months: $10,000 over 5 years is $166.67 a month and over 10 years $83.33 a month; $15,000 over 5 years is $250 a month and over 10 years $125 a month. Loans by Brighte. Eligibility and lender approval apply.
Sources
Last checked 7 October 2026. Only the manufacturer’s, the network’s or the government’s own documents are used; app menus and defaults change between models and versions, so if your screen looks different, call us rather than guess.
- NSW Government: Home Energy Saver program
- Australian Government (DCCEEW): Cheaper Home Batteries Program
